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If computer equipment and printers in your workplace are damaged by a power surge, we’ll cover electrical damage up to the limit stated in the policy.
If your office is burgled, we’ll cover 100% of the insured goods as well as any building damage from the break-in.
We’ll cover reconstruction costs and the replacement of files, including the recovery of computer files.
If your business can no longer operate due to damage from water, fire or an explosion, we’ll cover the financial losses resulting from its closure through the insurance period and up to the sum insured.
Basic covers | Building/Refurbishment works | Content |
|---|---|---|
Fire, explosion, fire service, lightning strike, spillage, etc. | x | x |
Loss of rent | up to €9,000 | x |
Cover supplements (Local protection in the event of a major loss, return of the insured in the event of a major loss and contact with repairers) | x | |
Eviction | -- | 10% of the sum insured |
Surveillance costs | (up to €3,000) | |
Parked vehicles | -- | 100% of the sum insured |
Aesthetic damage | up to €60,000 | x |
File replacement | 10% of the sum insured | 10% of the sum insured |
Extension of covers: vandalism, flooding, extreme weather events, etc. | 10% of the sum insured | 10% of the sum insured |
Liability and bonds | up to €600,000 | |
Water damage | 100% of the sum insured | |
Property insured for private use | x | €500 |
Electrical damage | up to €60,000 | |
Damage to the building caused by robbery or attempted robbery | up to €50,000 | x |
Breakage of windows, glass and signs | up to €15,000 | |
Optional covers | Building/Refurbishment works | Content |
|---|---|---|
Machinery and computer failure | x | up to €60,000 |
Loss of profits and refrigerated goods | x | |
Theft and robbery and legal defence | x | |
x Included
x Not included
x Optional
Whenever you need to, you can view the sums insured and the cover included in your policy in your BS Online private area. To do so, enter the private area and select the product you wish to view.
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How can I cancel my policy?
We have several phone numbers or channels for different products. You can view all of them here.
How long do I have to cancel my insurance?
If it’s an annual renewable policy, remember that you can inform us that you want to cancel the policy up to 1 month prior to the renewal date.
Building is the structure, i.e. all the structural elements and materials that are part of the construction of the premises, workshop or office, from the pipes to the flooring.
Content includes all the possessions inside a premises, workshop or office, including: furniture, electronic devices, refrigerated goods, computer equipment, valuables, etc.
Reporting a Shops claim is very simple. You can do it over the phone. Click here to find out everything you need to know to report a Shops loss.
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*Covers and services subject to the policy’s terms, conditions, limitations and exclusions as set out in the terms and conditions and schedule.
Shop Protection is a policy issued by BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, holder of Tax ID No. A-64194590, with registered office at Calle Isabel Colbrand 22, 28050 Madrid. Registered in the Madrid Companies Register and in the Insurance Entities Register of the Directorate-General of Insurance and Pension Funds (DGSFP) under code C-0767.
Insurance brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A., holder of Tax ID No. A-03424223, with registered office at Avenida Óscar Esplá, 37, 03007 in Alicante, and registered in the Alicante Companies Register and in the Administrative Register of Insurance and Reinsurance Distributors of the Directorate-General of Insurance and Pension Funds (DGSFP) under code OV-0004, having taken out a liability insurance policy pursuant to prevailing regulations on private insurance and reinsurance distribution.
